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What About Your Credit Scores?
March 21, 2017

A credit score of 850 is perfect and one over 700 is good. Most of these have no delinquencies in their payment histories and a perfect payment history. On the higher tiers there are usually no public records on their reports. Late payments or even collections can drop off after seven years.

Creators of the FICO credit score, Fair Isaac Corporation, know well the habits of people with the highest FICO scores. It is actually rather easy for the average American to achieve high scores without much effort. Common sense is the one thing needed in most cases.

Paying all of your bills on time consistently is 35% of your total score.

Some may think that carrying no credit card balance at all is important to a good credit score but, this is not true. Using less of your available credit is good but no balance can actually hurt your credit score. Using 10% of ones total credit line is best. Paying off a credit card can bring your score down.

A habit that is synonymous with high credit scores is keeping credit lines open and having long standing accounts. About 15% of your credit score is the length you have had a credit history. The average age of all of them and age of the oldest and individual accounts. The average 800+ scorers have had account for 25 years and the average revolving was taking out 12 years ago. Opening a new credit account can actually make your score take a hit.

Opening new accounts can both lower your all round average and can hurt the length of your credit history. Ten percent of your score is for new credit and it includes occasions where you have applied for credit as well as accounts opened recently. This scoring formula only includes the last year and usually the higher FICO achievers have opened acounts 15 months or so on the average.

Higher achievers usually have several types of credit. This is good because it shows what lenders want to see. That the person is responsible in paying different types such as a loan, mortgage, credit cards and store credit lines. So having several different types of accounts can help with about 10% of your credit score.

10 Things You Can Do With Recycled Jeans
March 19, 2017

1. Cut jeans into long strips, tie them together and braid them into bags, rugs, placemats, belts and ribbing for jackets or skirts. Fascinate friends and family with a home made jean item.

2. Getting tired of the corkboard bulletin board? Cover it with denim. Just measure and glue. It’s easy and gives it an interesting new look.

3. Make a bucket for your knitting or other crafts. Just take a plastic bucket and cover with denim. Add sequins, rick rack or fabric of a contrasting color.

4. Is your favorite skirt getting old but you just can’t get rid of it? Add some denim to it and make it a whole new look but with the same material and style.

5. Pieces for a family quilt. Many crafters in the early west would use piece of familie’s clothing for quilt pieces. Since levi’s were so tough many wore them around the ranch. When they wore out they were used for the familie’s quilts that were home made.

6. Find a pattern for baby rompers, a top or even a dress and use denim instead. Add applicays and such to make for an adorable addition to a babie’s wardrobe.

7. Pet toys? Cut into strips and braid and wrap together for a toy your dog and cat can chase. Alittle catnip in the one for the cat and the animal will love it.

8. Make a purse or carry-all cut squares the diameter you wish and then add some hemmed strips of jean for the handle. add embellishments of your choice for a personalized carry-all.

9. Picture background can be made with some jean pieces. Just cut out the picture and use some jean as the background. Frame it and add it to presents or to that room that needs alittle something for a conversation starter.

10. Make a denim hair band out of a measured 4 to 6 inch wide and 12-18 inch long strip of denim, fold in three and sow it with a added length of elastic to make it stretchy.

How To Teach Your Child Safety Rules

Find a quiet time when you can set down and discuss family and individual safety rules with your child. You don’t want to scare your child but you do want to instill in them the importance and seriousness of these issues. That there are some people in the world who not below luring small child away from their families and comfort zones such as school or church. Age appropriate language should always be used.

All children are of value and importance. There is normal and abnormal behavior. That they always should be treated with respect and dignity. All these points need to made apparent as you proceed.

Teach their names, address and telephone numbers at a early age. How to call 911 if needed and how to use the security system if there is one.

If children are alone in the house a while before you get home it is good to over house rules and what is expected of them. Be sure all doors, balconies and windows are locked. Not answering the home phone or door and staying inside. When you will call to check in with them. And what you would have them do if someone knocks.

If children do not take the bus and are allowed to walk home make sure they know the route. Have them use several different route and never walk behind buildings or in alleys. Even take them out and show the younger ones the route and what areas are not safe to be walking.

Teach your children about instincts. They need to be open to these feelings. If a person or situation makes them feel uneasy move away or just leave. Don’t let them feel silly about these feelings.

If someone pulls up in a car asking for directions never have them approach the car. Stand back on the side walk and answer there question or just ignore them and walk on.

Teach your children to make a scene. If a stranger has become aggressive and the child feels in immediate dange have them scream, yell and cause as much of a scene as they can. “He’s not my dad!”

If they are taken by their arm teach them how to twist their arm quickly and move away. Also, kicking a potential abductor between the legs or poking them in the eyes will surprise them and give the child time to get away.

You need to be aware of the amount of time your child is spending online. Also the people they are communicating with. Make yourself aware of the child safety locks and such that are available online. Spending too much time with a new friend online may be cause for concern. Be aware of the data history option on the computer. Urge your child to let you know if any off beat email come in for them. Don’t let them put up with any abusive languae or bad treatment of any kind while online.

Repeat safety rules occasionally. Practice different scenarios. Be sure they understand why these things are important to their well being.

8 Great Reasons to Stop Smoking
March 12, 2017

Smoking cigarettes is a killer. Every year nearly 450,000 people die from cancers and emphysema, all related to cigarette smoking. This is a very preventable cause of what is a premature death. There’s always an excuse to not quit right now. Here’s some good reasons you quit right now:

1. You smell of cigarette smoke ALL DAY LONG. Your clothing is permiated with the smoke. Do you really want to pick up your niece or nephew, or your own baby, when you smell of this? And the smoke is on your clothes and could affect those little ones.

2. Black Tar it causes carbon dioxide and oxygen exchanges in the body. You will really feel it in your lungs.

3. Second hand smoke kills. Breathing the smoke caused by others cigarettes can cause respitory problems, even lung cancers and heart disease in others. Asthma is more prevelant in children where they are in contact with cigarette smoke.

4. Other causes from smoking: You could become infertile. Females may have a harder time getting pregnant becuase it speeds up the loss of eggs. And in males smoking puts them at more risk of erectile dysfunction. Sperm mutations have also been shown in some studies. It also causes a 25% decline in the oxygen flow to the baby.

5. Chronic Obstructive Pulmonary Disease, or (COPD), feels like there is an elephant setting on your chest most of the time and you can’t do the things you used to enjoy.

6. You are more apt to have high levels of LDL which is the bad cholesterol. High blood pressure and heart disease are more of a risk when you are a smoker. Dying from a heart attack is 2-4 times greater than it would be otherwise.

7. You’ll look older than you are. Why? Smoking staves off the ability for your body to repair the damage done by the environment. You will have deeper wrinkles.

8. It’s expensive. Some packs of cigarettes in some areas cost as much as $9 a pack. So just at one pack a day that can be as much as $3,285 a year. That could help to pay your way to one of the exclusive islands for a nice vacation.

Five Foods That Boost Metabolism
March 12, 2017

Metabolism is the rate in which your body burn calories. It is influenced by age. By the time you have hit 45 you are burning 200 less calories each day than you did at age 25. So this turns into about a 12 pound weight gain each year. This process also effects the energy level and cognitive functioning of the brain. Hormonal levels change as we age and muscle loss can further lower the body’s metabolism. The lean muscle tissue is replaced with fat and usually accumulates in the hips, thighs and midsection.

It is important to keep the body full of protein, vegetables and fruits. This keeps the body fueled with the needed amino acids for repairing cells and tissue regeneration. Also, a good night’s sleep is important to full body function and keeping a good body weight. Here are five food that will boost the metabolism:

1. Spinach is great for fiber and your metabolism. Also it is a good source of vitamin C, potassium, magnesium and iron. Try some in your salad. It is also good in casseroles and even on pizza.

2. Avocado- Has 20 vitamins and minerals as well as healthy vegetable fat in it. Vitamins, B6, C, K, and E are among these. Great as a spread on sandwiches or in salads. Garnish foods like tacos and other dishes with some sliced avocado.

3. Green Teas- Has a catechin in called epigallocatechin gallate or EGCG. It both speeds up your nervous system and brain which causes your body to burn more calories. Caffeine is also a good way to boost the metabolism.

4. Blueberries-These are a great antioxidant rich fruit which is good frozen or fresh. The frozen ones still hold usable polyphenols which can induce lipolysis which break down fat cells and even stops new ones from forming.

5. Cinnamon- This spice is delicious and can help in lowering bad cholesterol. It also raises the good cholesterol and is high in polyphenols. Cinnamon also helps colon function and can help to relieve arthritic pain due to its powerful anti-inflammatory properties.

Household Safety Tips For Seniors
March 6, 2017

Statistics tell us that one in three seniors will fall in the home annually. Due to complex medical issues, failing eyesight, and some medications this is a serious issue. There are things that can be done to alleviate hazards in the home.

1. Floors-Tack down all area rugs. Clean up any spills right away. Don’t use slippery wax on floors. If a new carpet has been protected and chemically treated be sure there is good ventilation to avoid health issues.

2. Stairway-Besure all stairways have adequate lighting both at the top and at the bottom. Use 100 watt or greater light bulbs that are non-glare. Non-slip surfaces are important as well.

3. Shoes-Be sure the shoe style isn’t bulky and won’t cause tripping. Also check the fit of the shoe and the heel heigth. Soles with a pattern and non-slip are a good option. The perfect shoe has a thin firm midsole, low heel height, supported heel collar and a fastening mechanism. A ice gripper on boots in winter.

4.Traffic Areas- Besure that all electrical cords are not upstructing any traffic areas. Keep pet and children’s toys off of the floor and be sure that children keep their toys picked up.

5. Walking Help- Walking aids should be measured and the correct length for the senior’s using them. A sturdy walking cane made for the correct use is important.

6. Bathing- Have a night light in the bathroom that is kept on at night. Make sure the tub has non-slip appliques and that bath aids are securely installed. The water heater should be turned to 120 degrees Farenheirt to avoid scalds.

7. Kitchen Safety- Be sure to check expiration dates on food. Check the “on” and “off” swithches on all appliances and that they are in working order with no worn wiring.

8. Medications/Drugs- Any old medications should be thrown away. Be sure labels are clear and that you have read about all new medicines and review them frequently. Use a dispenser that is marked clearly.

Ten Ways To Lose Ten Pounds
March 5, 2017

Look at how many ways you can cut 100 calories from your diet daily. One hundred less calories means 10 pounds less per year. The more you add to your daily activities the more you will lose over time. It is better to lose weight slowly than quickly. Usually weight lost quickly will be gained back in short time.
1. If you eat a big, healthy breakfast each morning you are less apt to binge or have those mid-morning or early afternoon snack attacks.

2. Bring your own lunch each day and you will be less apt to eat fast food or more caloric foods. This can also give you time to yourself and to relax before going back to work.

3. Get in the habit of wearing a pedometer. 2,000 to 2,500 steps each day will cut 100 calories. The Ozeri 4x3razor and Omron HJ325 Alvita Ultimate are two top rated pedometers.

4. Eat more fiber and add a vegetable to every meal. You can find good fiber in vegetables, fruits, legumes and whole grains. This is good for preventing constipation and is a help in lowering your risk of heart disease or diabetese.

5. Taking your dog for a walk for 15 minutes three times a day will add 6,000 steps and burn 100 calories each time. For a person of average weight and fitness they can burn about 100 calories a mile.

6. Walking 25 minutes on a stationery bike burns 100 calories. Riding a mountain bike for a half an hour can burn about 250 calories.

7. Using Pam spray vegetable oil instead of butter or margarine means 100 calories less a tablespoon. Or use a corn oil and brush it on the pan.

8. Exercise before eating out. This gives you a metabolic lift and also makes you feel healthier and less apt to make bad choices.

9. Better sleep habits will help you stop the late night snacking and wake up bright and ready for a more active and healthy day.

10. Don’t forget to reward yourself once a week. Having an indulgence once in awhile will help to boost your morale and keep you going.


6 Ways To Assure Getting To Sleep At Night
March 1, 2017

We all have responsibilities and things we have to accomplish each day. Most of us have to get up and face the world regardless of whether we have gotten a good night’s sleep or not. There are things that have been proven to aid us in relaxation and calming ourselves so we can get to sleep. There also things that have proven to be true in assuring that we can get into a routine of sleep each night too. Here are ……. things that can help us.

Not getting enough sleep can have a harmful affect on our bodies. Both our physical and emotional health is affected. If you are sluggish and can’t focus during the day sleep deprebations can be the reason. A lack of good sleep habits can cause serious health issues. Your body needs time to reguvenate and rest. If you get even two hours less sleep time your “reaction time and judgement are impaired to the same extent as a blood alcohol level of 0.12”, says Dr. Michael Roizen, MD in an article on Sharecare.

The average person needs 7 to 9 hours of sleep nightly. To get a good nights sleep you have to reach what is called REM sleep or Rapid Eye Moment. This usually happens about 90 minutes after you have gone to sleep and last about 10 minutes. Each recurring REM stage will last longer up to about an hour.

Avoid eating sugar or having any thing with caffiene in it before going to bed. This includes chocolate. Nicotine and alcohol should be avoided especially if you are having trouble sleeping. Don’t exercise before bed. This can actually wake up your body. Set a time for bed and for getting up. Stick to it and don’t sleep over any more than 90 minutes. Even on the weekends.

You need to move vigorously through your day so you are tired at bedtime. Get plenty of natural sunlight. Be in the habit of getting up and moving around every hour. Have some relaxing activities before bed such as reading or facial cleansing regime that tells the body it is time for sleep. Create a pleasant sleep environment with no sharp lighting or too warm of bedding. Sleeping in a cooler room is usually best. Some people like to have a window cracked for fresh air but this can mean outside noises.

Becareful of naps. If you are having trouble getting to sleep or staying asleep napping can be the problem. Fight the after dinner drowsiness. This can lead to waking up in the early hours of the morning and not being able to get back to sleep. Limit nap times to 15-20 minutes.

Exercising during the day is a great way to ensure a better nights sleep. Doing so in the morning or afternoon is best. Doing so too close to bedtime can cause a problem because it elevates the body temperature, speeds up metabolism and stimulates hormones like cortisol. Finishing any type of exercise about three hours before bedtime is best. Even earlier if sleep is still a problem.

Avoid late night television. Bright lights or the blue lights emmitted by your computer or phone can be stimulating instead of relaxing. Get rid of back lighting and use devices with smaller screens. Turn the brightness down or use software such as f.lux to alter lighting. Cover up devices that have a light on them. If you have to get up during the night be sure lighting used is low and not bright. Installing a dim lighting system can be of help.

Be sure the room you sleep in is dark. Heavy shades or curtains are a good idea to block light from windows. Think about using a sleeping mask.

One Month On Literacy Base And A Little About Me
March 1, 2017

Well, I started on here on January 31 and here it is the end of February. I have posted about ten posts so far and they have gotten a nice response so I am happy about that. I am enjoying being a member so far. I have found several friends from other sites mostly Mylot. I like how the cache bank adds up rather quickly. If that isn’t a motivator to keep coming back I don’t know what is. Nice experience to date.

Still having some trouble getting around the site but am improving daily. Normal for me to be slow in learning how things work on sites. It seems to be slow for pages to load. I’m not sure if it is Literacy Base or my computer/browser. Time will probably tell. I do finally get there and that is what is important.

I just now need to give myself more time during the day to come here and work on replies and writing new posts. I love to write and have been doing it for about twelve years online. I have been writing since I was 15.

I have written on such sites as Helium, eHow, Good Blogs, Knoji, Factoids, Day2Day, Bubblews, Wikinut, Persona Paper, Mylot, Scary Mommy, ThriftyFun, and now Literacy Base. Many are not around anymore. But, I keep finding new and interesting ones to land on and utilize. I also get a lot of experience while I am on them. I must not forget the people I have met along the way too. I have some great friends online.

I am so fortunate to be retired and have the internet to work on. It is my dream to publish a book at some point. Being 65 I really need to speed things up. It is hard for me to formalize the end of a book though. It’s my baby and it is tough to let them go out into the world and be exposed to other’s opinions.

Fish Is Good For Us And Here’s How
February 27, 2017

There are a few nutritional norms that remain the same throughout the years. Cutting out refined sugar, eating leafy vegetables, and limiting alcohol are things dieticians are firm on. Another thing to add to a healthy diet is eating more fish. Here are some facts about fish that may surprise you:

It’s full of vitamin D. The sun lets the body produce vitamin D. Ultraviolent radiation increases a person’s risk of getting skin cancer. The option is to get your daily needed amount of vitamin D by eating the oilier fish like trout, herring, salmon or mackerel.

It can help with your dieting. Promoting lean muscle growth fish such as tuna, cod and salmon are high in protein. Unlike beef fish is low in trans and saturated fats. It is a great pick for dieters.

Fish can benefit your brain. A ten year multicenter study at the University of Pittsburgh School of Medicine found that concluded eating fish once a week can improve cognitive ability and memory. They did periodic brain scans of 260 people and 14 percent saw a increase in cognitive ability and there was a average of 4.3 percent growth of grey matter in the area of the brain where memory is produced.

Helps in sustaining good heart health. Omega-3 fats can’t be produced by the body but they help maintain good metabolism. There are species of fish that contain high levels of these essential fatty acids. They help to reduce the growth rate of atherosclerotic plaque which is substances like cholesterol that builds up in the arteries. It also lowers the blood pressure.

Also helps with some arthritis. Eating a diet rich in these omega-3s can reduce the inflammation that is associated with rheumatoid arthritis. Eating certain fish species or fish oil can reduce mornind stiffness and joint pain.

The American Heart Association reccomends eating fish two time a week. To help in retaining its nutritional value broiling or baking your fish is best and does not add unnecessay calories.